Showing 1 - 10 of 15
Persistent link: https://www.econbiz.de/10009531908
Having a credit record and a credit score can be an important determinant of credit access. Yet, surprisingly little is known about people who lack credit records or scores. This paper provides the first documented analysis of the characteristics of consumers without credit records, called...
Persistent link: https://www.econbiz.de/10012997378
Some researchers have used increasing small business lending distances to argue that technological changes have reduced banks' reliance on soft information. These studies generally assume distance changes are uniform across loans and lenders. Our paper examines heterogeneity in distance changes....
Persistent link: https://www.econbiz.de/10013492477
In a seminal article on small business lending, Petersen & Rajan (2002) argue that technological changes have revolutionized small business lending markets, weakening the reliance of small businesses on local lenders and increasing geographic distances between firms and their credit suppliers....
Persistent link: https://www.econbiz.de/10013147402
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This study builds on the Bureau's earlier work and examines the relationship between geography and credit invisibility. The importance of geography in accessing credit has been long-standing concern for policymakers, going at least as far back as early efforts to combat redlining. In recent...
Persistent link: https://www.econbiz.de/10012897307
In a seminal article on small business lending, Petersen & Rajan (2002) argue that technological changes have revolutionized small business lending markets, weakening the reliance of small businesses on local lenders and increasing geographic distances between firms and their credit suppliers....
Persistent link: https://www.econbiz.de/10013128712
Persistent link: https://www.econbiz.de/10003968242
Has information technology improved small businesses' credit access by hardening the information used in loan underwriting and reducing the importance of lender proximity? Previous research, pointing to increasing average lending distances, suggests that it has. Using over 20 years of Community...
Persistent link: https://www.econbiz.de/10012833670
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